Brighten Home Loans is an Australian-owned and regulated nonbank lender with offices in Sydney, Melbourne, Brisbane, Hong Kong and Shanghai. Brighten was established and commenced lending in 2017. The business has an innovative product offering, including prime and nonconforming, nonresident and construction loans, and has grown its AUM to more than A$1.8 billion and its team to more than 90 finance professionals.

Brighten is a full-service nonbank provider, responsible for the origination, underwriting, servicing and funding of its mortgage portfolio. With an end-to-end digital mortgage solution platform that drives innovation to achieve cost and service efficiencies, as well as an experienced leadership team, Brighten is well placed for growth.

The company also has a strong focus on corporate governance, corporate social responsibility and environmental sustainability, which are the key pillars of Brighten’s culture. Testament to its commitment to diversity and inclusion, Brighten has been named an Inclusive Employer 2021-22 by Diversity Council Australia. The company has been nominated a “pay equity ambassador” of the Workplace Gender Equality Agency in recognition of its commitment to closing the gender pay gap. Brighten is also a member of the Responsible Investment Association Australasia and a Plant a Tree Program partner for Carbon Neutral.

Brighten is wholly owned by Real Asset Management Group (RAM), an Australian-owned wealth and asset management firm with a focus on credit and fixed income, real estate and private equity.

Brighten benefits from the strong support of RAM along with the experienced leadership and institutional relationships that have been developed over RAM’s 12-year history.

Brighten has grown its mortgage portfolio organically since inception, with a focus on scaling the platform sustainably. The business is undergoing a period of strong growth, with global head count increasing by more than 35% and total loan origination volume increasing 187% year-on-year.

Brighten continues to build its capabilities and expertise through expanding its funding platform, developing its operational capacity and further improving distribution networks nationally. The company continues to expand its end-to-end digital mortgage solution through its innovative propriety platform to further deliver cost and service efficiencies for distribution partners and customers.

This investment in the platform has allowed Brighten to double its AUM over the past year, while maintaining profitability. From this strong financial position, the company is well placed to further scale its business to be a significant player in the nonbank lending space.

Brighten has established multiple warehouse funding arrangements with global investment and domestic banks, with further funding diversification provided through a wholesale credit fund. In 2022, Brighten followed on from its inaugural RMBS transaction with a A$524 million RMBS deal under its Solaris nonresident RMBS programme.

Brighten’s long-term focus is to be a regular issuer as it develops its capital market programme in the resident and nonresident sectors. The company takes a proactive approach to its issuance arrangements through engaging potential investors to develop new funding lines, which will enable Brighten to scale its growth and enter new product segments. To this end, Brighten is actively expanding its RMBS platform with separate prime and nonconforming issuance programmes.

Adam Moore
Head of Funding and Securitisation
+61 2 8880 6691
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www.brighten.com.au